The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$90,546
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,362
−HK$2,862/mo
Today · 4.125%
HK$96,224
baseline
▲ 0.50% · 4.625%
HK$102,078
+HK$5,854/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$192,448/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,731
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,433
−HK$2,740/mo
Today · 4.125%
HK$106,173
baseline
▲ 0.50% · 4.625%
HK$111,770
+HK$5,597/mo
Deposit HK$19.85M · loan HK$19.85M · min. income ≈ HK$212,346/mo (50% DSR)
Upfront cash ≈ HK$21.54M (deposit + AVD stamp duty HK$1,687,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,655
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,034
−HK$3,434/mo
Today · 4.125%
HK$115,468
baseline
▲ 0.50% · 4.625%
HK$122,494
+HK$7,026/mo
Deposit HK$15.88M · loan HK$23.83M · min. income ≈ HK$230,936/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,877
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,119
−HK$3,289/mo
Today · 4.125%
HK$127,408
baseline
▲ 0.50% · 4.625%
HK$134,124
+HK$6,716/mo
Deposit HK$15.88M · loan HK$23.83M · min. income ≈ HK$254,816/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,687,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,764
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,707
−HK$4,006/mo
Today · 4.125%
HK$134,713
baseline
▲ 0.50% · 4.625%
HK$142,910
+HK$8,197/mo
Deposit HK$11.91M · loan HK$27.80M · min. income ≈ HK$269,426/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,023
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$144,806
−HK$3,836/mo
Today · 4.125%
HK$148,642
baseline
▲ 0.50% · 4.625%
HK$156,478
+HK$7,836/mo
Deposit HK$11.91M · loan HK$27.80M · min. income ≈ HK$297,284/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,687,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,982
−HK$10,220/mo
▼ 0.25% · 3.875%
HK$168,052
−HK$5,150/mo
Today · 4.125%
HK$173,202
baseline
▲ 0.50% · 4.625%
HK$183,741
+HK$10,539/mo
Deposit HK$3.97M · loan HK$35.74M · min. income ≈ HK$346,404/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,316
−HK$9,796/mo
▼ 0.25% · 3.875%
HK$186,179
−HK$4,933/mo
Today · 4.125%
HK$191,112
baseline
▲ 0.50% · 4.625%
HK$201,185
+HK$10,073/mo
Deposit HK$3.97M · loan HK$35.74M · min. income ≈ HK$382,224/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,687,611 · Scale 2, in force from 26 Feb 2026)